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HDFC Regalia Gold vs SBI Card ELITE

Honest side-by-side comparison of HDFC Regalia Gold, SBI Card ELITE — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

HDFC Regalia Gold

HDFC Bank

SBI Card ELITE

SBI Card

Your adjusted comparison

Feature
HDFC Regalia Gold credit card

HDFC Regalia Gold

HDFC Bank

SBI Card ELITE credit card

SBI Card ELITE

SBI Card

Fees & eligibility
Annual fee₹2,500₹4,999
Fee waiver threshold₹4,00,000/yr₹10,00,000/yr
Min income₹50,000/mo₹60,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹670/yr-₹3,818/yr
Groceries (offline)—₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)
Dining & delivery—₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Top reward rate5 RP/₹2005X reward points
Primary reward cap₹15,000 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessUp to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletFuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus₹2,500₹5,000

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HDFC Regalia Gold details →SBI Card ELITE details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HDFC Regalia Gold leads SBI Card ELITE by about ₹3,148/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

HDFC Regalia Gold vs SBI Card ELITE comparison table
FeatureHDFC Regalia Gold

HDFC Bank

SBI Card ELITE

SBI Card

Fees & eligibility
Annual fee₹2,500₹4,999
Fee waiver threshold₹4,00,000/yr₹10,00,000/yr
Min income₹50,000/mo₹60,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹670/yr-₹3,818/yr
Groceries (offline)—₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)
Dining & delivery—₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Top reward rate5 RP/₹2005X reward points
Primary reward cap₹15,000 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessUp to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletFuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus₹2,500₹5,000

Frequently asked questions

Which card has the lower annual fee?
HDFC Regalia Gold has the lowest annual fee at ₹2,500.
Which card earns more on moderate spend?
HDFC Regalia Gold leads with an estimated -₹670/yr net annual value on moderate spend.
Which card has the lower income requirement?
HDFC Regalia Gold lists a minimum monthly income of ₹50,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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